Lease Purchase

Lease purchase.
Built for businesses that want to own the car.

Lease purchase works like PCP with a larger final payment, but it's structured as a loan rather than a lease — which means full VAT reclaim for qualifying businesses and no mileage restrictions along the way.

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No obligation · Takes 2 minutes · All credit considered

ICO Registered — ZC067741
All credit considered
Response within 2 hours
UK based team

Simple Process

How it works

01

Submit your enquiry

Fill in the short form below. Takes under 2 minutes and there's no credit check at this stage.

02

We make the introduction

We pass your details to lenders who consider situations like yours — including some that do not deal with the public directly.

03

They come back to you

Any offers come to you from the provider direct. You decide whether to take one, and you can walk away — there is no obligation.

04

On the road

You complete the paperwork with the provider direct. Most people are driving within days of approval.

Why choose us

The business-focused alternative to PCP

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A broad panel

We work with a broad panel of lenders rather than a single provider, so your details reach the ones most likely to consider you.

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VAT and mileage, sorted properly

Because lease purchase is a finance agreement rather than a rental, VAT-registered businesses can reclaim it in full on qualifying vehicles — something ordinary leasing rarely offers on cars.

Fast decisions

Most enquiries get a response within 2 hours. No waiting days to find out if you qualify.

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No hard credit check

Your initial enquiry uses a soft search only. Your credit score won't be affected until you say yes.

Get your free quote

No obligation. No hard credit check. Response within 2 hours.

🔒 Your data is protected under ICO registration ZC067741. We never sell your details.

✅ Enquiry received!

Thanks — one of our advisors will be in touch within 2 hours.
In the meantime, feel free to WhatsApp us if you have any questions.

Common Questions

Lease purchase, answered

The structure looks similar — lower monthly payments with a large final amount — but lease purchase is a loan, so you're committed to eventually paying the final instalment or refinancing it. There's no walk-away option like PCP's hand-the-keys-back route.
You're financing towards ownership rather than renting. There are no mileage penalties along the way in the same way as a lease, and a VAT-registered business can typically reclaim the VAT on the whole agreement, not the restricted amount usually allowed on a car lease.
Mainly VAT-registered sole traders and small businesses who want the lower monthly payment of a PCP-style structure but the VAT treatment and no-mileage-limit benefits of a loan. It's rarely the right fit for a private, non-VAT-registered buyer.
You pay the final balloon-style instalment and own the vehicle outright, or refinance that amount if you'd rather not clear it in one go. Unlike PCP, handing the car back and walking away isn't part of the standard agreement.
It's assessed similarly to hire purchase, since the debt is secured against the vehicle — so it's often more accessible than PCP for a business with a less-than-perfect credit history.